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Nhem T., 33, is a widow and lives with her parents in Kampong Cham Province, Cambodia. She works growing rice and beans and she is able to make US$6 per day. She is a widow and has no children. Currently, she has requested a loan of US$800 to rent a banana farm to grow fruit. She told a loan officer that she has been growing rice since she was young and planting beans over five years so far. Renting a banana farm for fruit is the first business, so she hopes to gain more profits to help support her standard of living.

Additional Information


KREDIT Microfinance Institution Plc., is one of Kiva’s most established partners in Southeast Asia. The organization empowers the economically-active poor and small entrepreneurs by providing inclusive financial services. Beyond loans, KREDIT offers low-income clients complementary training in debt management, savings and budgeting. In addition, KREDIT partners with NGOs to offer training in primary health care, agricultural techniques and HIV/AIDS awareness.

For more information on KREDIT, please visit its partner page. If you would like to engage more with KREDIT and its borrowers, you can also join its lending team, KREDIT MFI Cambodia.

About Cambodia

  • $2,600
    Average annual income
  • 139
    View loans »
    Cambodia Loans Fundraising
  • $41,469,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Nhem to rent a banana farm to grow fruit.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 13, 2008
Sep 29, 2008
Currency Exchange Loss:
May 15, 2010